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Apartment in Girona

Calle Bisbe Lorenzana

Eixample, Girona • Ref: #D8E78B47

€359,000
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Size

139 m²

Price / m²

€2,577

Rooms

4

OccupancyVacant
54
Calle Bisbe Lorenzana — Eixample, Girona
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La pintura de la fachada parece estar en buen estado general, sin desconchones visibles.
  • •Exterior: Las ventanas tienen rejas de seguridad y el cristal parece limpio, aunque no se aprecia el interior.

Description

Piso de 139 m² ubicado en Girona. Se trata de un piso de 139 m² distribuidos en salón-comedor, cocina, 4 dormitorios y 3 baños. El inmueble se sitúa en el barrio del Eixample, dentro del núcleo urbano, con acceso a través de las vías principales de la ciudad. Dispone de líneas de autobús urbano y se encuentra próximo a la estación de Girona, con servicios ferroviarios de media y larga distancia. En la zona hay supermercados, restaurantes, centros educativos, instalaciones deportivas, entidades bancarias y comercios. A pocos minutos del Mercado del León y del parque del Migdia. Con nuestros servicios podrá encontrar el piso que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente. [Aviso legal] El inmueble se encuentra inacabado y/o necesita de una reforma. El comprador deberá asumir los costes de la reforma y/o finalizacion de la obra, así como los de cualquier gestión u obligación relacionada o necesaria para su conservación o adecuación. Dado su estado, actualmente no es posible su ocupación, ni su destino como vivienda o local, debiendo tomarse las precauciones que correspondan en caso de acceso al mismo. El precio de venta de este Inmueble se ha determinado en base a las anteriores circunstancias, que han supuesto un menor valor del mismo, y que deberán ser expresamente aceptadas por el adquirente en la formalización de la transmisión del Inmueble. Se recomienda que el comprador obtenga asesoramiento profesional y legal antes de adoptar la decisión de compra.

Characteristics

Bathrooms

3

Year built

1967

Energy rating

D

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 139.29 m² but the cadastre records 124 m² (-11%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
5176513DG8457E0014HI
Cadastral area
124 m²
Year built
1967
Cadastral use
Residential

How to buy this asset from the bank

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  1. 1Contact the servicer from the official listing (or from Atalaya) and ask for availability and a viewing.
  2. 2Visit the property and verify real condition, possession and access. Ask for the habitability certificate and the energy certificate.
  3. 3Request a nota simple from the Land Registry (~€10) and the community-debt certificate.
  4. 4Submit your offer in writing. Servicers take it to committee: expect days to weeks. Offering below asking is standard practice.
  5. 5Once accepted: deposit contract (require 'free of occupants and belongings'), financing and deed before a notary.

Minimum due diligence before offering

  • check_box_outline_blankRegistry nota simple: ownership, charges, liens (registradores.org, ~€10).
  • check_box_outline_blankCommunity-debt certificate and approved special levies.
  • check_box_outline_blankIBI and waste tax: outstanding bills at the town hall.
  • check_box_outline_blankOn-site possession check: is it really vacant? Are water/power supplies active?
  • check_box_outline_blankHabitability certificate and licences (essential for mortgage and utilities).

Debts that transfer with the property

Community debt for the current year plus the previous 3 follows the property (art. 9.1.e LPH), as do unexpired IBI and approved levies. Always request the certificates before signing: it's the classic €3,000-10,000 surprise in bank purchases.

Financing

Many servicers finance their own stock at aggressive terms (high LTV) through the parent bank — ask on first contact. Note: a property without a functional kitchen or bathroom may not be mortgageable as-is, and the appraisal can come in below price on heavily distressed assets.

Catalonia specifics

In Catalonia the Generalitat holds first-refusal rights (tanteo y retracto) over transfers of homes originating from foreclosure (DL 1/2015): it can extend timelines. The cédula d'habitabilitat is mandatory for utilities and usually required for a mortgage. Also check for social-housing (VPO) status.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

ANALYZE

54/100

Confidence: High

Score breakdown

Zone delta
8/30
Possession
20/20
Physical state
14/25
Legal liens
4/15
Zone liquidity
11/15

Vivienda de 139.29m² en Girona a 2577€/m² (mediana zona 2829€/m², delta -8.9%). Estado Mejorable. Posesión libre. Zona muy_baja, inventario reciente (14 días).

Strengths

  • +El banco confirma posesión legal: vivienda libre para entregar

Case file

Operation pipeline

You are not pursuing this asset yet

Start a case when you want to turn an opportunity into a real operation: contact, visit, documents, due diligence and offer.

location_on

Location

Eixample, Girona, Girona

Price analysis

Two anchors: real free-market (Idealista / MITMA) and the median of other bank-owned assets in the same area. The first tells you whether REO is worth entering at all; the second, which REO listing is the best deal.

vs free market

-8.9%In line
Scope
Municipality
Zone median
€2,829 /m²
This asset
€2,577 /m²
Period
septiembre 2026
Source
Idealista

vs other bank assets

+47.3%Above anchor
Scope
Postal code
Zone median
€1,750 /m²
This asset
€2,577 /m²
Samples
42
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€359,000
Transfer tax (ITP) 10% — Cataluña€35,900
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,257
Estimated total investment€397,157
Estimated refurbishment (state: mejorable)€55,500 – €97,500

Indicative estimate for a resale purchase at the general ITP rate. Auctions, new builds or reduced rates are taxed differently. The refurbishment figure is an indicative band based on the AI-detected condition. Verify with your advisor.

Listing intel

SourceSolvia
On the market sinceSept 2026 (23 days)
On Atalaya since4 Sept 2026
Last updated24 Sept 2026

Zone comparables

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Aggregated data from public sources and servicer Solvia. Atalaya is an informational analytics platform; we are not a real estate agent and do not intermediate in transactions. To act on an offer, contact the original source directly. View original listing